Master your wealth.
Entirely offline.
Covely is a professional‑grade personal finance OS designed for absolute privacy. Unlike cloud‑based alternatives, it operates exclusively on your device.
- 100% Offline & Private
- Self-custodial financial data
- No cloud lock-in or forced subscriptions
Upgrade to Covely PRO for unlimited history, rules, and advanced forecasting — for a one‑time fee of $9.90.
Powerful by default. Free forever.
Unlike other tools, Covely Free isn't a restricted trial. It's a professional-grade finance OS with everything you need to track your net worth and secure your future.
100% Offline & Private
Your financial data never leaves your computer. Powered by a high-performance local database and protected by biometric security (Face ID / Touch ID).
Smart Automation
Automate your bookkeeping: categorize transactions automatically with AI pattern detection and custom searchable rules.
Account Reconciliation
Match statement balances with ease, track uncleared transactions, and verify account accuracy with built-in reconciliation.
Reports Catalog & Tax Deductions
Generate monthly P&L statements, net worth balance sheets, and tax-deductible expense reports with PDF export.
Attachments & Running Balance
Attach receipts and invoices directly to transactions. View calculated running balances and filter by amount range.
Wealth & Holdings
Track stocks, ETFs, and properties alongside cash. View real-time allocation, asset growth, and multi-currency FX rates.
Multi-Language Support
Covely is built for a global audience. Fully localized support for English, Chinese (Simplified & Traditional), Japanese, and Spanish.
Global Omni-Search
Instantly find any transaction or detail. Our high-performance local search scans all accounts and years of history in milliseconds.
Advanced Budgeting
Plan every dollar with our comprehensive zero-based budget tracker. Set category limits, track real-time spending, and monitor your monthly progress.
Split & Recurring Transactions
Split a single expense across multiple categories effortlessly. Set up recurring subscriptions and bills to project future cash flows.
Compare Plans
| Feature | Covely Free | Covely PRO |
|---|---|---|
| Data Privacy | 100% Local | 100% Local |
| Biometric Security | Enabled | Enabled |
| Encrypted Backups | Unlimited | Unlimited |
| Account Reconciliation | Full Suite | Full Suite |
| Reports Catalog & Tax Deductions | Full Suite | Full Suite |
| Attachments & Running Balance | Enabled | Enabled |
| Global Omni-Search | Enabled | Enabled |
| Transaction Filtering | Full Suite | Full Suite |
| Unlimited Accounts | Enabled | Enabled |
| CSV/OFX Imports | Unlimited | Unlimited |
| Wealth & Stock Tracking | Enabled | Enabled |
| Dashboard History | 1 Month | Unlimited |
| Automation Rules | 20 Rules | Unlimited |
| Advanced Insights | — | Full Suite |
| Forecasting | — | 90-Day Projection |
| Pricing | Free Forever | $9.90 One-Time |
Covely is a personal finance tool. It does not provide financial advice. Consult a professional adviser before making decisions.
Unlock unlimited power with Covely PRO $9.90
One perpetual license for $9.90. Endless insights. Remove all limits and unlock the full potential of your financial data.
Unlimited History
Go beyond the 1-month dashboard limit. View, search, and analyze years of financial data to spot long-term growth patterns.
Unlimited Rules
Remove the 20-rule cap. Build a massive library of automation rules to handle even the most complex merchant networks automatically.
Advanced Forecasting
Project your exact account balance 30, 60, or 90 days into the future based on recurring bills, subscriptions, and paychecks.